Methods and systems for dynamically providing content

• US 10,402,866 B2
• Filed: 06/15/2018
• Issued: 09/03/2019
• Est. Priority Date: 12/05/2012
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Murgai, Nikhil
• Primary Examiner(s): Reagan, James A
• Application Number:
  US16/010,327
• Publication Number:
  US 20180293627A1
• Time in Patent Office: 445 Days
• Field of Search: 705 1466
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute

Abstract

Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer. The disclosed embodiments may also receive content associated with the first offer for display on the client.

Claims

1. A mobile device for dynamically providing content to a user, comprising:

a memory storing instructions; and

a processor configured to execute the instructions to perform operations including;

receiving a recommendation matrix associating potential offers with potential trigger events, the matrix based on a machine learning algorithm;

receiving a travel graph specific to a user, the travel graph generated using location information provided by the mobile device and indicating travel movements of the mobile device, over a prior period of time, between designated geographical locations and a consumer location;

receiving a trigger event associated with a geographical location determined from the travel graph;

generating feature data based on the received trigger event,

wherein the feature data indicates an update to a social network parameter of the user;

identifying a first one of the offers using the feature data and the recommendation matrix;

providing an indication of the first offer;

receiving content associated with the first offer for display on the mobile device; and

receiving redemption information of the first offer during a period of time,

wherein the redemption information indicates success of the first offer, including at least one of;

an amount of time between the display of the first offer and acceptance of the first offer;

or

a time elapsed up to a defined period.

2. The mobile device of claim 1, wherein identifying the first offer includes calculating score values for the potential offers using the feature data and the recommendation matrix.

3. The mobile device of claim 2, wherein calculating the score values includes:

generating a feature vector based on the feature data, and

multiplying the recommendation matrix with the feature vector to generate the score values.

4. The mobile device of claim 1, wherein the recommendation matrix includes weight values for combinations of the potential offers and the potential trigger events.

5. The mobile device of claim 1, wherein the operations further include sending the feature data to a remote computer.

6. The mobile device of claim 5, wherein the operations further include:

receiving a second recommendation matrix from the remote computer, the second recommendation matrix updated using the feature data; and

identifying a second offer using the feature data and the second recommendation matrix.

7. The mobile device of claim 6, wherein the operations further include:

providing an indication of the second offer; and

receiving second content associated with the second offer for display on the mobile device.

8. The mobile device of claim 1, wherein the feature data further indicates at least one of:

a geographic location of the mobile device;

that the mobile device is traveling;

that the mobile device was used to generate a search query;

or

that the mobile device is located within a determined distance from a specified geographic location.

9. The mobile device of claim 1, wherein the operations further include generating at least one feature data event based on the travel graph.

10. The mobile device of claim 1, wherein the content includes content associated with at least one of an advertisement, a promotional offer, a discount, a coupon, and a sale associated with an item or service.

11. A computer-implemented method performed by a mobile device for dynamically providing content to a user, comprising:

storing a recommendation matrix associating potential offers with potential trigger events, the matrix based on a machine learning algorithm;

receiving a travel graph specific to a user, the travel graph generated using location information provided by the mobile device and indicating travel movements of the mobile device, over a prior period of time, between designated geographical locations and a consumer location;

identifying a trigger event associated with a geographical location, the geographical location determined from the travel graph;

generating feature data based on the received trigger event,

wherein the feature data indicates an update to a social network parameter of the user;

identifying a first one of the offers using the feature data and the recommendation matrix;

providing an identification of the first offer;

receiving content associated with the first offer for display on the mobile device; and

receiving redemption information of the first offer during a period of time,

wherein the redemption information indicates success of the first offer, including at least one of;

an amount of time between the display of the first offer and acceptance of the first offer;

or

a time elapsed up to a defined period.

12. The method of claim 11, wherein the identification of the first offer is provided to an advertisement server and the content associated with the first offer is received from the advertisement server.

13. The method of claim 11, the method further comprising decrypting an encrypted recommendation matrix to generate the recommendation matrix.

14. The method of claim 11, wherein the recommendation matrix comprises rows correlating to potential offers and columns correlating to potential trigger event data.

15. The method of claim 14, wherein the recommendation matrix comprises model coefficients associated with a potential trigger event and a potential offer.

16. The method of claim 11, wherein the feature data comprises a feature vector, and generating the feature data based on the received trigger event comprises applying current event data to rules, the rules corresponding to components of the feature vector.

17. The method of claim 16, wherein identifying the first offer comprises:

multiplying the recommendation matrix by the feature vector to generate a score matrix;

determining a highest-score value for the potential offers in the score matrix;

selecting an offer of the potential offers corresponding to the highest-score value for the potential offers in the score matrix as the first offer.

18. The method of claim 16, wherein the components of the feature vector are binary-valued.

19. The method of claim 11, wherein the feature data indicates at least one of:

a geographic location of the mobile device;

that the mobile device is traveling;

that the mobile device was used to generate a search query;

or

that the mobile device is located within a determined distance from a specified geographic location.

20. A system for recommendation data associated with offers to be presented to a user, comprising:

a memory storing instructions; and

a processor configured to execute the instructions to perform operations including;

receiving a travel graph specific to a user, the travel graph generated using location information provided by the mobile device and indicating travel movements of the mobile device, over a prior period of time, between designated geographical locations and a consumer location;

generating a recommendation matrix based on the feature data provided by the mobile device, consumer data for the user provided by a third party, offer data for potential offers, and a machine learning algorithm, the recommendation matrix including model coefficient values associating trigger events and the potential offers, at least one trigger event based on the travel graph,

wherein the feature data indicates an update to a social network parameter of the user;

sending the recommendation matrix to the mobile device for use in generating a score matrix for identifying a first one of the offers of the potential offers to display on the mobile device; and

receiving redemption information of the first offer during a period of time,

wherein the redemption information indicates success of the first offer, including at least one of;

an amount of time between the display of the first offer and acceptance of the first offer;

or

a time elapsed up to a defined period.